This page is provided to show you the amount of detailed information we provide to our subscribers, the content has been masked. To see full details, please register.

Fidelity & Guaranty Life

FG Retirement Pro (Rates Only Apply To IAV)

(RETIRED)

A Fixed Indexed Annuity with a 12-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
	A.M. Best : A		Fitch: A-		Moody's: A3		Standard & Poor's: A-

Rates

	Current Rates xx/xx/xxxx		Guaranteed Minimum Values
	Cap	Part Rate	Cap	Part Rate
1-Year Annual Point to Point with Cap	***	***	***	***
1-Year Monthly Average with Cap	***	***	***	***
1-Year Monthly Point to Point with Cap	***	***	***	***
1 Year Fixed Interest Option (Rate guaranteed for 1 Year)	.* %		.* %

State Specified Minimum Interest Rate: ****

Premium Bonus by Age/State
Year:	1
Age 0 to 80 in states: AR AZ CO DC GA HI IA IL IN KS KY LA MA MD ME MI MO NC ND NE NH NM RI SD TN VA WI WV WY	****
Age 0 to 80 in states: CA NJ NV OH OK SC TX UT	****
Age 0 to 64 in states:	****
Age 65 to 80 in states: FL	****

Policy Notes

The @annuityname@ is a modified single pre --[ subscription required to view full text ]--
*** @***********@ ** * ******** ****** ******* ***** ***** ******* **** * ********** ******* ********** *******. ********** ******** *** ******** ****** *** ***** ****** ****. *** @***********@ *** * @*******@ **** ********** ****** ****** *** * *** ********* ** **** ******.

*** @***********@ ** ** ******* ********* ******** ** ******* ** ****** ******, *** ********** *** **** ******* *** ********** ******* ********** ******* (****) *******. @***********@’* **** ******* ** ********** *** **** ****** **** **** ***** ********* **** * **** *******. @***********@’* **** ******* ******* ** *********** ******* ****** **** **** ******* *** *** ** ******* ******** ********* ******** ** *** **** *******’* ******* **** ** ******* ** *** *******’* ******* *****. *** **** ******* ** ************* ******** ** *** ******* ** ** ********** ******.

Provisions

Free Look Period:	****
(Free look period may vary by state)
Rate Lock Protection:	****
Bail Out Provision Available:	***
* * ***:	****
Loan Provision Available:	***
* * ***:	****
Tax Sheltered:	***

Market Value Adjustment:	***
MRD:	***
Front-End Fee:	***
Annual Maintenance Fee:	***
Return of Premium Available:	***
Death Benefit is:	* **

Premiums
	Non-Qual	Qualified
Min Single Premium:	****	*******
Max Single Premium:
Age < xx:	****	*******
Age > xx:	****	*******
Payroll Deduction:	****	****
Min Added Premium:	****	****
Flexible Premiums ******* :	****
Min Single Premium Impaired:	******	******
Min Single Premium Period Certain:	******	******

Age Restrictions
	Min Age	Non-Qual	Qualified
Owner:		*****	*****
Annuitant:	*****	*****	*****
Impaired:		*****	*****
Annuitization Age:		*****	*****
*** * * ** * **** * *** ** * **** * ****** * *** * * ** * **** * *** * * * ** * **** * *****

Systematic Withdrawals

Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****

**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****

MVA Explanation
Not available in CA IL MO NJ VA

A Market Value Adjustment (MVA) is an adjustment made during the ti --[ subscription required to view full text ]--
* ****** ***** ********** (***) ** ** ********** **** ****** *** **** *** ********* ****** ******** ** ** ******. *** *** ** ******* ** *** ******* ** *** ****** ******* ***** ********* ** ******* ** ** ******* ****** **** ******* *** ******* **** ********** ******. *** *** ** ** ******** ** *** ********** ********* ****** ******. *** *** *** ******** ** ******** *** ****** ** *** ********** ** *** ********* ***** ********* ** *** ****** ** ******** ***** ***** *** ********* **** *******. *********, ** ******** ***** **** ***** ***** *** ********* **** *******, *** *** **** ******** **** ********* *****; *** ** ******** ***** **** ******, *** *** **** ******** **** ********* *****. *** *** ***** ** *** *** *** ********* ******* **** *** ****** *** ********* ***** ** ** ****** ***** ** **** **** *** ******* ********** ********* *****. ** *** *** ******* ** ** ******** ** *** ********* *****, *** ****** ** *** ******** **** *** ** ******* **** *** ****** ** *** ********* ********* ******.

*** *** ** ***** ** * ******* **** ***** **** ******* ******* ** ****** ** *** *.*. ******** ******** ******** ****** ******* *** **** ** ****** ***** *** *** **** ** *** **********. *** ****** ** *** ****** ******* ***** ********* ** ******* ** ** ******* ****** **** ** ******* ** *** *** ** ********** ** * ****** ***** ********** ******.

Commissions
Effective date of commission schedule: 05/23/2022
Commissions are ***** *** * *** * *** * ** ***** ***.

FG Retirement Pro (Rates Only Apply To IAV)

Up to age 75

Initial Premium:

****

Ages 76-80

Initial Premium:

****

BASIC COMMISSIONS - Basic Commissions on Authorized Contracts listed below shall be payable in accordance with this Compensation Schedule. Basic Commissions are expressed as percentages ofpremiums received and accepted by the Company subject to the other provisions herein contained based on the policy effective date. Basic Commissions on additional policies and riders hereafter offered by the Company shall be payable at rates to be furnished by the Company. Any policies in f --[ subscription required to view full text ]--
***** *********** - ***** *********** ** ********** ********* ****** ***** ***** ** ******* ** ********** **** **** ************ ********. ***** *********** *** ********* ** *********** ********** ******** *** ******** ** *** ******* ******* ** *** ***** ********** ****** ********* ***** ** *** ****** ********* ****. ***** *********** ** ********** ******** *** ****** ********* ******* ** *** ******* ***** ** ******* ** ***** ** ** ********* ** *** *******. *** ******** ** ***** ** *** **** **** ************ ******** ******* ********* ***** ** ******* ** *** ********** *** ********** ********** ********** *** ***** ** *** ************ ******** ********** ** *** **** **** ******** **** ******. *********** ***** *** ** **** ** *** ******** ****** ** **** ** *** *******. **** ******** ** ******* ** ****** ** *** **** ** *** *******.

***** ******** ******* ***** - *********** ***** *** ***** **** ********* ********* (****)- * ***** **** ** *** ** ***** *** ***** ***** **** ******* ** ** ****** ** $***,***. * ********** ********* ** ** ***** ****** *** *** ******(*) ****** ** *** **** ****** ** *** **** **** *** ***** *** ***** ***** **** ******* ** ********* ******* $***,*** **** ** **** *********** ** *** ***** ****** ** ******* (********* ** ** *** ****** ******). ********** ******** *** ****** ** * ********** ** ** ****** *** ***** ******* ** ****** $***,***.******* ********* - *** *** ******* *********, ******** *** ******** ** ** *** ********* $*,***,*** **** ** ***** **** ****** ******** ** ********* ** **********. **** ******** *** ***** ** ****** ** ****** ******** ** ****** ** $*,***,*** ** ****** * ******** ************ ******.

********** *** ******** ************ - *** ******** ****** ** *** ******* ** * ****** ** ******** *********** ** ******** ******** **** ** *********** ** * ******* **** *** ** *** *******. *** ********** *********** ** *** ****** *** ***** ** ******* **** ** ******* ** * ***********. *********, **** ****** **** ** ************* *** ************ ******** *** *********** ** ***** ****** ******** **** ** ******* ** ** **** **** *********** ******** *** ************ **** ** ******** ***********. ****** ****** ******* ******* ******* **** *** ******* **********.

********** ********** â!“ ***** **** *********** ** ********* ****** ********* ********* **** ** ******* **** ** *** **** ** ***% ** **** **********, *** ******* ********** ***** ****** *** **** ****** (** ***) ** ***, ****** *** ***** ****** ****** ****** *** ** *** **** ** **% ****** *** ****** ****** ****** ******.

********** - ***** **** *********** **** ** ******* **** ***: *** ****** ***** ** ********** * "*** *****"; *** ****** ***** ** *** ****** ** *** *******, ** ** ******* ******, ** *********; *** ********* ** ***** *** ******** ***** ** ******* ** ********** ***** *********** *** /** ******* ******** *** **********; *** ********* ** ***** *** ******** ***** ** ********** ********* **** *** *******.

*********** ** ***** ************** â“ (******* ** **** *********** ************* *** ************* ***** ** *********): *** *** ************* ** *** ******** ******** ** ****** ********** ********** ******, ***% ********** **** ** *********** ** *** ************* ** ***** *** ********** ********** ******, ***** ** ** *********.

*********** ** ************* ** ******** ********* - (******* ** **** *********** ************* *** ************* ***** ** *********- *********): *********** ** ************** **** ******* **** ********* ***** ***** */*/**** ** *******, ** ********** ************ **** ** ****.

*********** ** ************** **** ******* **** ********* ***** ***** ** */**/** **** ** **** **** **** *********** ** ************ ****** *** ********** ********** ****** *** ***** *** ****** ********* ******* *******.

**** ********* **** ********* ********* ****** *******, **** **** *********** **** ** **** ** ************** ***** ***** ** *** **** ***** *** ****** ******** **** ********* ******.

***** ** ***** â“ ***% ** *** ***** ****** ****; **% ** *** ****** ****** ****.

***** ************ - ***** ************ ** ******* ** ***** **** *** ****** ** ******* ***** ***** (** ********). *** ***** ************ **** ** ********* ***** ** *** ******* ********* *** **** *** *** **** ** *** ******** ****** ********* *********. *** ***** ************ **** ** ***** ** *** ******* ***** *** **** ** **** ********* (*** ** *** *******) ********* ***** *** ***** ****** ****. *** ***** ************ **** ** **** ** *** ******* ***** ***** **** *** *** **** ** *** ******** ****** ********* ** *** ****** *********. *** ***** ************ ** *** ********* **** *** **.

*** - *********** ***** ******